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Postal Retirement Information
Information on this page is provided by Roseanne Jefferson. Roseanne is a retired USPS employee with an extensive background in USPS retirement, disability retirement, OWCP, EEO, Labor Relations and HR. She conducts individual and group counseling and is able to comprehensively discuss the pros and cons of employees who are on OWCP, disability retirement and regular retirement. Roseanne will be happy to answer your postal retirement questions. Contact Roseanne at
Postal Retirement Q&A Memorial Day 2011

Good Day Postal Employees!

Well I must say that I am pretty "PO'd" about right now. I have heard rumors, and they ARE true..because I have seen validation of it. What is she talking about?? I am hoping I have your attention now. You all know that I do individual retirements so I am always seeing the changes in paperwork and see a consistent degrading of adequate information that employees are receiving through the retirement process.

Again, what is she talking about? Hopefully you are in….AND I HOPE YOU GET AS PO'D AS I AM. As the Mgr of Personnel, and after I retired, when I did retirements for clients (up to 2009), YOUR annuity estimates were ordered through NARCES. If any of you out there have an estimate from at least 2009 or prior to that, it will be from NARCES. That estimate was a comprehensive piece of information to the employee explaining IN DETAIL (with a little assistance, I'll grant you) your retirement in totality. It was one complete sheet of information that was CRITICAL in the accurate completion of your retirement paperwork. NOW THE RUMOR. I was told that OPM is allowing (either just the post office or all federal agencies) to create the annuity estimate, because their numbers (meaning high 3 salary figures) are accurate. Well that's true, the agencies do have the accurate salary necessary to compute your annuity. And NARCES was only a "snap shot" of your last 3 years anyway. I say 99% of the time your last 3 years of employment are your high 3 years.

But get ready because the estimates coming out from the post office are in a word LAME, and seriously LACKING OF NECESSARY INFORMATION. They are missing at least 10 pieces of information that are REQUIRED on the retirement form. I am doing a retirement right now and there is so much anger inside of me because if those of you who have never seen a NARCES estimate, then get this BS estimate, HOW DO YOU KNOW WHAT THEY ARE NOT TELLING YOU AND BELIEVE ME THEY ARE NOT TELLING YOU. The life insurance on the forms shows you have none. NOT TRUE. Every postal employee has at a minimum Basic Life Insurance, which is your yearly salary, rounded up the the next thousand, plus an additional 2 thousand, and on top of that the post office pays for your basic life insurance. But when you get this post office annuity estimate, there is no insurance information is on there. No Basic, no Option A, B, C. In a word, UNREAL. You want UNREAL again; they don't show you how much your health insurance will be after conversion to retirement, because it does increase. So on the NARCES annuity form if there is a question, you ask. There will be nothing on the Post Office annuity form to question, because it lacks information YOU SHOULD QUESTION....and so YOU CAN'T ASK.. Shameful!

I'm sure I will get some backlash about this, but IT'S FLAT OUT WRONG. Some of you will write in the comment section some nonsense unrelated to this column or give me grief about me trying to help you!! I know there is no way for any of you reading this to know what I know, or see how they are taking away your options in retirement , by simply not showing them. The younger the employee, the less knowledge you have about the benefits. Now for the why, so you DON'T TAKE THE HEALTH BENEFITS. Then the POST OFFICE DOESN'T HAVE TO ASSIST SUPPLEMENTING YOUR HEALTH BENEFITS TO THE GOVERNMENT IN YOUR BEHALF.


YOU DIDN'T KNOW THAT DID YOU? Don't get me started on HOW MISLEADING the FEGLI is on the annuity estimate either!! I have created a mission statement for my business: "I help achieve what you deserve"

If you are in Ohio, and , interested in an individual retirement session this summer, please email …Till the next time we talk, - Roseanne

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